Leading the origination and underwriting of loans in the Northeast region.

Structuring and underwriting transactions to meet client objectives within appropriate credit and investment guidelines.Managing revisions and updates to the Excel underwriting model to ensure ease of use for the underwriting team and accuracy. Served as the primary project manager, designer, and producer of the redesign of the underwriting reporting software.Completing detailed reviews and analyses of the character, experience, ability and financial strength of the sponsor(s), contractor(s), guarantor(s) and relevant third parties.Completing detailed analyses of third-party documents as well as independent reviews of general market economic performance, economic factors, in person reviews of the site and comparable properties, and other analyses which result in supportable estimates on achievable rents, absorption and vacancy.Completing supportable cash flow operating pro-formas based on the analyses of the real estate fundamentals, as well as a variety of other sources. Completing detailed analyses of capital budgets, including reviewing all sources, uses, funds flow timing, restrictions on sources, etc.Completing and reviewing risk rating models and profitability analyses.Completing and presenting written approval requests that clearly and concisely outline the details of each transaction and include recommendations and supporting analyses. The requests identify transaction strengths, mitigate weaknesses, and document bank compliance with internal and regulatory policies and procedures.Liaising with Loan and Equity Administration and Portfolio Management representatives to ensure efficient closings, initial fundings, and transfer of transactions to Portfolio Management.Partnering with production staff, Loan Administration, outside counsel, and deal constituents in the negotiation and review of all loan and equity documentation to verify timing, structure and transaction terms that comport with bank underwriting and approval and bank standards.

Affordable Housing ProgramUnderwrote real estate grants (affordable and market rate housing) co-financed with sources such Low Income Housing Tax Credit equity, conventional financing, and grants.Built 15-year pro formas, determined the cash flow available, and confirmed the cash flow distribution to partners through waterfall calculations.Executed regulations and policies established in implementation plans and applied the strategy to processing applications for program subsidy, disbursement requests, and compliance reviewsManaged due diligence review of appraisals, environmental reports, plan and cost reviews, market studies, comparable properties, vacancy analyses, etc.Evaluated potential projects based on several feasibility guidelines to determine viability.Analyzed all other funding sources in a potential deal, including review of legal documentation and financial modeling when available.Summarized complex financial analyses in clear and concisely written reports for review by senior management. The reports included financial analyses and an evaluation of the strengths, weaknesses, risks, and opportunities presented by a potential project.Corresponded with multiple points of contact throughout the due diligence portion of the underwriting process, liaising with as many as 15 separate project sponsors simultaneously.Ensures low income households receive integrated services designed to empower them such as financial education, credit building, budget coaching, wealth building, job training, and employment opportunities

Division of Community Development Implementing policies focused on the development of targeted communities in the City of Jersey City through the construction and rehabilitation of fair and affordable housing.Overseeing the grant application process and determining grant recipients through the evaluation of applications.Managing the underwriting, origination, and client correspondence related to the approval of affordable housing development proposals and overseeing their construction from closing to close out.Determining the feasibility of projects by reviewing financing, grants, and subsidy layering.Reviewing and revising legal documents such as mortgages, notes, and deed restrictions for the disbursement of fundsManaging the relationships between developers, legal counsel, contractors, and municipal offices.Conducting market analyses through researching local and state records, and Census/ACS data and illustrating findings through maps and graphics generated with ArcGIS and Adobe Creative Suite. Creating reports, metrics, and key performance indicators on affordable housing in the city to be used in presentations to the city council and mayor’s office.Developing, designing, and maintaining analytic reports forecasting the growth and decline of local funding used to finance affordable housing development.Maintaining and establishing good working relationships with affordable housing developers.

Morgan Stanley/ANHD FellowshipNew York City Community Development.Role: Project ManagerManaging relationships between team members such as general contractors, legal counsel, environmental consultants, engineers, and architects in the pre-development and development phases in order to move projects along and resolve issues.Underwriting projects by creating and analyzing different funding scenarios for housing development projects and researching the program requirements for each scenario.Preparing requisitions through tracking invoices from soft cost vendors and AIA documentation from general contractors as well as updating and reconciling financial schedules. Tracking and managing project budgets and schedules to ensure the timely and on-budget completion of projects, accounting for hard and soft costs accurately through multiple sources of funding. Tracking progress on construction work completed through site visits and reviewing change orders.Conducting due diligence on appraisals, contracts, and title and environmental assessment reports.Preparing responses to RFPs and RFQs from public housing agencies such as HPD.Preparing and maintaining development and operating budgets for new housing development projects.Soliciting bids from general contractors and providing due diligence in screening and selection processes.Creating, monitoring, and overseeing the completion of checklists for different team members in preparation for closing.

Division of Community DevelopmentSummer Internship